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Does Home Insurance Cover Boiler Repairs?

When winter comes, your boiler is most likely to be one of the most used appliances in your home. It keeps operating for several hours to ensure your house remains warm and conducive and then during those cold evenings, it supplies the much needed hot water to guarantee a restive night. But with so much usage and many moving parts, you’d naturally expect your boiler to breakdown at some point especially if it’s 7 years old or above. So what’s the next line of action when it happens, leaving your radiators off and water cold? With the likely high boiler repair cost, it’s only logical to consider whether your boiler repairs is covered by your home insurance.

In almost all situations, the standard home insurance will not provide coverage for the cost of repairing or replacing a broken boiler. Being fully aware that boiler breakdowns are mostly caused by a lack or not so regular maintenance practices or servicing, most home insurance providers will exclude it from this from their offerings. In fact, a home insurance is more likely to provide coverage for the damage that has happened as a result of a broken appliance. For instance, the damage caused as a result of gas, oil or water leaking from a boiler are more likely to be paid for by the home insurance providers, but they’ll not pay for the repair or replacement of the broken boiler itself.

If you need our home insurance to cover your boiler repair, then you might just be able to get an extra insurance cover from your provider that includes a broken boiler repair. You can consult them to determine if this is possible as well as the cost to be paid per month. This will normally cost about £5 to £10 per month, but it gives you a peace of mind knowing you’re covered if your boiler happens to breakdown.

If you’re looking to have your boiler insured, there are a number of boiler cover providers you should probably check out with British Gas Homecare being right up there as one of the best in the business. In this post, we’re going to consider the British Gas Homecare prices to help you make the best-informed decisions possible moving forward. Let’s take a look!

Firstly, British Gas offers a wide variety of packages to provide coverage for repairs as well as breakdowns on heating systems. They also offer plans which includes cover for your central heating, plumbing, drains as well as electrics. With this provider, you can choose to pay your cover either in monthly instalments or annually. Simply have it at the back of your mind that the cost of your package will depend mainly on the things you want to cover – the more the risk you wish to protect against, the more expensive your package is likely to be.

In general, HomeCare starts from £13 a month (£60 excess). Conditions and exclusions is applicable, prices may also vary based on your property’s postcode. With British Gas, there are a number of products to select from within their range some of which features an annual service and repair of your boiler and controls. Their products include British Gas Home Care One, British Gas Home Care Two, British Gas HomeCare Three and British Gas HomeCare Four. There are also some exclusions, which means that irrespective of the HomeCare product you opt for, there are certain things that British Gas do not cover. For instance, sludge or scale removal and the repair of the damage arising as a result. Showers and their parts, shared drains, faults caused by a non-British Gas engineer and more.

Overall, the amount you pay per month or year will be based on your location in the UK and the British Gas will confirm the price once they’ve been able to take a couple of details from you.

How Much Oil Does A Boiler Use?

Are you also interested in knowing the quantity of oil that a boiler consumes to heat up and keep a house warm? Well, you’ll find the answer here. There are so many influencing factors that determines the quantity of oil that’ll be used by a boiler. These factors include the number of hours they’re subjected to use on a daily basis, the boiler’s size as well as how efficient it is. Another factor is how you use your boiler, whether it’s only to provide heating or to provide both heating and hot water will as influence the quantity of oil your boiler uses. As a result, it’s almost impossible to provide an accurate estimate of the amount of oil that an appliance would require to keep running effectively.

In general, to provide a rough estimate, a mid sized oil boiler appliance could make use of up to 3.5 litres of oil per hour when full, but if it’s a large appliance, then it can burn up to 4 litres of oil per hour. However, it should be noted that this is only when the boiler is operating flat out. In the event whereby the water inside the heating system is already hot and the boiler is only working to maintain the level of warmth, much less quantity of oil will be used. And as expected, there will also be times in which your boiler will not be on, and therefore no oil or fuel will b used.

Your home’s size as well as how properly insulated it is can also be a significant influencing factor here. As you would have guess a big home and/or poorly insulated will use up more oil because it’ll be harder to heat up or keep warm. Overall, for some households, 1000 litres of oil will be sufficient to get them through the year, whereas the same quantity may not be enough to get other households through just the winter months.

If you’re thinking about getting a new gas boiler for your home or property, then you might also be wondering how much it’ll cost you so you can set a budget and start planning. As simple as this question sounds, it’s actually very tricky to provide a simple and short answer as the costs of installing a new gas boiler alone varies greatly based on the parts needed, the amount of work required, your location, their availability as well as the company you hire for the project.

When it comes to purchasing a new gas boiler the price you’re expected to pay also depends on multiple influencing factors such as the type, brand as well as your most preferred gas boiler model. However, one thing you should have in mind is the fact that your gas boiler is right at the heart of your home or property and can be a complicated piece of machinery. As a result, you wouldn’t expect gas boilers to come cheap. Generally, it’s going to cost within the range of £500 to about £2,500 to get a new gas boiler. Therefore, it’s always advisable to obtain all necessary details and facts before you decide to purchase a replacement gas boiler.

This price range may seem too high as it’s usually a turn off for most homeowners. However, it’s worth noting that gas boiler replacement costs and gas boiler installation costs are, more often than not, compensated by the saving you’ll make off your utility bills - all thanks to the new and more energy efficient boiler you just installed in your home. And even more importantly, when it has been estimated that roughly half of the amount spent on energy on an annual basis depends on your boiler.

Who Fixes Boilers?

With boiler running for several hours in a day and working hard to ensure that our home stays warm, even when we tend to take it for granted it’s always there give us the heat we need whenever we need it. So in the event whereby the inevitable happens and your boiler breakdown, which professional is the most suitable to call for help? When the pressure is on to stop a boiler leak or bring back warmth to your home, knowing who to call can make all the difference.

When you need a professional to fix your boiler, the right professional to call is a heating engineer. Heating engineers work mainly on heating I both homes and businesses, so you’d be right to call them specialists in all heating matters. As a result of this, you may want to give them a call when experiencing some issues with your boiler as they’d be in the best position than any other professional to give you a proper solution.

Generally, heating engineers are experts when it comes to fixing boilers and can help with various tasks such as installing a new boiler, boiler repairs, installing new gas pipes, repairing gas leaks, changing radiators, fixing leaks, installing heating controls and many more. What’s more? A boiler repair has to do with working with gas and before you can do that you must be a Gas Safe registered engineer as required by the legislations in the UK. In other words, any gas boiler related issue must be tackled by a Gas Safe registered engineer as this is a very dangerous fuel in which the services must be provided to highest standards of safety. Only heating engineers can be a Gas Safe registered engineer to work on gas boilers.

Breakdowns of boilers are quite common during the winter months and are usually very expensive to repair when this occurs. According to the research carried out recently by uSwitch, repairing a boiler can cost an average of about £314 with a figure over 20 percent of homes experiencing various heating system issues last year.

To answer the question of whether or not your existing home insurance will be enough to cover the boiler breakdown, the answer is probably not. This is due to the fact that heating system faults or breakdowns is a very common occurrence and as a result of poor maintenance practices as well as a high repair cost, several insurance companies often remove it from their home insurance policies.

Generally, you’d be given an option of what is termed as “emergency home cover which is an add on or extra to your home insurance policy. Luckily, this add on is quite inexpensive and may be as little as £4 or £5 per month. Depending on your need or budget, you can also purchase the add on as a “stand alone from your current insurer or another company. However, the standalone option is usually more expensive.

The emergency home cover normally provides coverage for the boiler repair cost and few times, the rest of the central heating system as well. Being fully aware how important a boiler can be, insurance companies usually deliver a rapid response service as suggested in the name, “emergency home cover. However, the maximum pay-out for call out charges is capped at a particular amount which usually ranges from £500 and £1,000. Apart from the call out fees, the emergency cover also includes a limit on the pay-out amount for future required repairs of heating systems which includes both parts labour.

Ad hoc visits from your engineer to fix small issues with your heating system may actually seem cheaper and a lot more affordable, however when a boiler is ripe enough for a change these small issues are always never ending. Over some period of time, these small issues will inevitably get worse and the idea of “mend and make do will be an absolutely false economy. The best course of action in this sort of event is to find a replacement boiler to install as soon as possible. In this article, we’re going to give you some hints that’ll show you when your boiler needs to be replaced. Now let’s take a look!

✓ Insufficient hot water. Here, you’ll have to check the size of your hot water cylinder. It’s crucial to make sure that your boiler is rightly sized to power your heating as well as hot water circuit in line with your demands. You should always seek the advice of a heating expert who can recommend whether to fix or replace the boiler.

✓ Strange noises. It’s normal for components of the boiler to become worn or damaged over time. Replacing the particular component that’s causing the knocking or rattling may seem cost effective at first but more often than not, the noises usually signal a bigger issue which is likely to build up over time. Hence, it’ll be a lot more logical to replace the boiler itself.

✓ Regular repair of your boiler. It’s essential to have your heating system serviced by a Gas Safe engineer on an annual basis. However, when you have to call them more often than once a year for your yearly maintenance, it may be a wise decision to consider getting a replacement.

✓ Other events whereby you may need a new boiler includes when you can’t get the right temperature in your room, when the radiators don’t heat up as they should, when your boiler leaks and if your boiler still has a pilot light.

How Much Does It Cost To Service An Oil Boiler?

With several homes in the UK using gas central heating, about 6 percent of households in the United Kingdom makes use of oil for their heating needs. If you’re one of those homeowners with an oil boiler, then you should know that servicing your oil boiler is a compulsory activity which should be done regularly in order to ensure the safety of your home, boost the efficiency of the boiler while also help you save money as it ensures you do not incur the potentially expensive repairs or even having to purchase a replacement boiler. If you service your oil boiler every year, you can be rest assured that you’ll continue to derive maximum benefits from your prized heating system for a long period of time. So exactly how much will you have to pay to service your oil boiler?

The service cost of an oil boiler is influenced by a wide range of factors which includes the location. However, the average cost of servicing an oil boiler in the UK is between £65 to £90, but depending on the location as well as other influencing factors, this price might be higher or lower.

Due to the higher cost of living and high demands at places such as London and the south east of the UK, you can discover that the cost of servicing your oil boiler can jump to as high as £160 to £190. In other regions, you can also find the oil boiler service cost to be as low as £50 to £60. What’s more? In the same locations, you can also discover varying prices which depends on the available services. Furthermore, in areas where there’s a lower competition from several engineers, the prices may also be higher.